Get out of Debt

Get out of Debt

Gateway is Alabama's most effective and affordable solution to get out of debt.

Before you question whether Gateway can help your financial situation, we want you to know the following:

  • No amount of debt surprises us.  We have seen it all.
  • Debt happens, because life happens.  This is a judgment-free zone.
  • We understand how debt impacts you, your family and your relationships.

Since 1997, we have helped families just like yours pay back more than $69 million of debt.  We have also helped a lot of kids go to college, saved a lot of marriages and prevented further financial crises.  Whether you need to pay off a few student loans or debt from an unexpected hospitalization, Gateway financial counselors are available to help you reach financial freedom.


Debt Solutions

Debt Management Planning

No amount of debt surprises us.  Life can throw curve balls with a medical emergency, unexpected job loss or high credit card debt.  Gateway is the state's most effective debt-management planner, helping families pay back almost $1 million of debt to creditors every year.  Our financial counselors can help you negotiate with creditors and develop an achievable solution for you to pay off your debt.


Fee: This service is offered on a sliding-fee scale, depending on your household income.  No one is turned away due to inability to pay.

Credit Counseling

Did you know landlords, employers and banks often review your credit score to evaluate whether they want to do business with you?  Having good credit is important for you and your family, and Gateway financial counselors can help you improve or maintain your credit score.


Fee: This service is offered on a sliding-fee scale, depending on your household income.  No one is turned away due to inability to pay.

Bankruptcy Counseling

If you are considering bankruptcy, we can provide a thorough budget analysis, discuss possible causes of financial problems and develop workable solutions for your situation.  Our financial counselors will talk you through the process, consequences and alternatives to filing bankruptcy.  At the end of each counseling session(s), you are provided a certificate of completion.


Fee: This service is offered on a sliding-fee scale, depending on your household income.  No one is turned away due to inability to pay.